My buy box is C+/B- 2000 sq ft or better, no HOA, no Pool, 2.5 bathrooms or better and plenty of parking. 

I have opportunity to buy a small portfolio of performing commercial notes with LTV's less than 50%.  

What is the best option for a landlord policy for someone who owns multiple rental properties(AZ and CA) and has no primary home or an auto? 

Quote from @Jamie Parker: Quote from @Carsyn Childress: I have searched Facebook groups, Craigslist, and meet-ups with little to no luck with consistent volume.

In a small town of Alaska and at the peak of COVID there was no Negotiation at that time haha.

There will be no assessment for increase in taxes or insurance so remains at $1935.

So far, the best deal I have been able to find is 5% down with no PMI (80% from Fannie and another 15% from a second lender).

Insurance would cover it, I would pay the deductible, and no assets would be lost.If you are in an area like San Diego where people are more likely to sue, a judge is more likely to find you guilty, and the payout is expected to be higher, you may consider an umbrella insurance policy.

Personally, if the property is in a bad area, this will give you headaches no matter what.

First two deals were cash, we were running business out of the locations and had the opprotunity to buy.. no brainer :)